>> the first thing they need to do is get educated. understand the difference between risk and volatility. they need to learn the rules of the game. ryan and i have written countless books on this stuff. learn the rules and don't feel sbintimidat intimidated. go to people who are not going to sell you a product. they are not going to sell you anything and give you great advice. >> you pay them for the value of their advice, but you pay them a fee like a lawyer or accountant? >> right. and be careful. anybody you talk to is going to try to sell you something. it's more of an intimidation factor. what happens is we don't have money mentors. the the reason i went into a mutual fund is because i had a friend who did it. the business model, it's really made it into a point it's not sustainable for a lot of advisers to work with people barely making it. so it's all about priorities. so. >> ryan is big on this as well. you're big on mentoring people. this is one of your biggest points in your book. >> it's time for us to start looking for edu